Ledger
OSMO Card
OSMO CardOSMO Card
VisaVirtual and plasticSince 2025Asks for a documentOperational
First Bitcoin-native debit card in Central America — Visa linked to a multi-currency OSMO wallet (USD/GTQ/CRC + BTC/USDC), top up via cash, bank, card, BTC or USDT, and withdraw cash at affiliated agencies (1%) or bank transfer (1%, 1–2 days).
Total, per $100 spent: not published
The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.
Open osmomoney.comNot a paid link: we earn nothing either way.
Whether to take OSMO Card
In its favour
- First Bitcoin company in Hispanic America to issue debit cards (Guatemala, Apr 2025; El Salvador, Dec 2025)
- Visa debit linked to OSMO USD balance — pay anywhere Visa is accepted, including ATMs worldwide
- Multi-currency wallet: USD, GTQ (Quetzal), CRC (Colones), BTC, USDC
- Buy Bitcoin from $1 with 0% buy fee, Lightning + Bitcoin + Polygon supported
Against it
- Card availability limited to Guatemala + El Salvador today (expanding across Central America)
- No public, structured fee schedule for card transactions (1% on cash and bank withdrawals confirmed)
- Apple Pay / Google Pay support not advertised on landing — verify in app
- Daily/monthly limits not published publicly
Also true, in its favour
- Free virtual US account with 0% commission on US incoming transfers
- Regulated by Superintendencia de El Salvador (only Central American country with Bitcoin regulation)
- Funds 1:1 backed in banks (Guatemala, El Salvador, USA, Costa Rica); BTC 80% cold / 20% hot
What OSMO Card costs
| Charge | What it costs |
|---|---|
| To put money in | |
| To load | 0% |
| To spend it | |
| At a cash machine | 1% cash withdrawal at affiliated agencies |
| Total, per $100 spent | Not published |
Not published by the issuer: to issue the card, monthly, to spend, per payment, fixed, to spend outside the dollar.
Read off osmomoney.com on July 21, 2026.
Cash withdrawals at affiliated agencies: 1%. Bank transfers out: 1%, 1–2 business days. Buy Bitcoin: 0% in-app commission. Detailed card-transaction fee schedule lives in OSMO's help center (ayuda.osmowallet.com) rather than on the public landing. Card is funded by OSMO's USD/GTQ/CRC/BTC/USDC balances.
KYC: what OSMO Card asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
OSMO Card publishes no spending limits at all.
Where it works
WalletsApple Pay only
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in3BTC, USDC, USDT
Chains4Bitcoin, Lightning, Polygon, Tron
TiersPhysical (Guatemala, El Salvador), Virtual
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Card is physical-only — no separate virtual card on landing
- Small operator (~2,300 X followers, 632 posts) compared to global crypto-card brands
How we checked this
Thirteen fields are tracked for every service. 5 of them carry a figure we read off osmomoney.com on July 21, 2026.
- Issuer's page
- Loading charge · Cash machine charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating statusSeptember 11, 2026
- The issuer does not publish
- Cost per $100 · Currency conversion · Per-payment charge · Issuance · Monthly · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open osmomoney.comNot a paid link: we earn nothing either way.
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